The Office of Patient Protection is charged with developing regulations links to PDF file and implementing certain provisions of M.G.L. Chapter 176O governing insurance carriers' internal grievance procedures, detailing certain guarantees of continuity of care and specialty care referral and coverage, and establishing a process for obtaining an independent external review where coverage is denied based upon a medical necessity determination. OPP is also charged with administering and granting insurance enrollment waivers to eligible individuals who seek to purchase non-group insurance when enrollment is closed.  Additionally, the Office of Patient Protection assists consumers with questions or concerns relating to health insurance, including grievance and appeal rights and enrollment waiver questions.